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Ben & Katy

Mortgage as evidence for ROC

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I have a question about a mortgage used as evidence.

 

My spouse and I are in the process of closing on a house but we don't qualify jointly.  We only qualify if only done under my name since she is still unemployed.   When its time for me to do ROC next year should I put an explanation attached to why she is not on the mortgage with me?  Or if there is a way to put her on the title later so we can have the extra piece of evidence?

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11 minutes ago, Ben & Katy said:

I have a question about a mortgage used as evidence.

 

My spouse and I are in the process of closing on a house but we don't qualify jointly.  We only qualify if only done under my name since she is still unemployed.   When its time for me to do ROC next year should I put an explanation attached to why she is not on the mortgage with me?  Or if there is a way to put her on the title later so we can have the extra piece of evidence?

Both of you can be put on the mortgage and the deed.  We obtained our mortgage based on only my income, yet my wife and I are both listed as borrowers on the mortgage and owners on the deed.


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Posted (edited)

In western NY banks will add a spouse (who doesn’t qualify for the Lon) as a “non-obligated” borrower, which allows for both to be listed on the title (deed) to the house.

 

If your bank doesn’t allow for this, you can be on the mortgage alone and then quit claim deed (qcd) to both of you.  (Our firm usualy waits about 45-60 days to do a qcd based on bank regulations.)

 

Edit:  You can refinance when she is able to qualify, but honestly the closing costs on a refi are almost as much as the regular transaction, whereas a qcd is generally $500 or less (inclusive of legal and county clerk filing fees). 

Edited by Cryssiekins
Add’l info

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We did our mortgage using only my income and only my name on the mortgage (PA state law makes her equally liable for the mortgage anyway). Both names are on the deed. It's not an issue, although getting the deed in both names (or at the very least a quit-claim arrangement) is suggested.


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Posted (edited)
1 hour ago, Ben & Katy said:

I have a question about a mortgage used as evidence.

 

My spouse and I are in the process of closing on a house but we don't qualify jointly.  We only qualify if only done under my name since she is still unemployed.   When its time for me to do ROC next year should I put an explanation attached to why she is not on the mortgage with me?  Or if there is a way to put her on the title later so we can have the extra piece of evidence?

That does not sound right, your Bank is giving you wrong information. My wife is a full time student with no income, she and I even qualified for a home loan.

 

After closing you could try to go to your County Recorder of Deeds and submit a "Quick Claim Deeds" to add her name to the property.

Edited by samuelam
add additonal information

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